“…The financial crisis in 1998 taught a lesson that the banking sector is very influential on the national economy (Baroroh, 2012); (Amah, 2013); (Aprianingsih, & Yushita, 2016); (Suci, 2017). An Efficiency is the ability that must be possessed by banks to be able to face increasingly intense competition (Melani & Suwarni, 2013); (Malik, 2017); (Sukandar, et, al., 2018). Because banks are complex entities, ratio analysis is not enough to describe the real bank's financing.…”